FDIC

Irrevocable Trust Accounts $250,000 for the non-contingent, ascertainable interest of each beneficiary

Government Accounts $250,000 per official custodian (more coverage available subject to specific conditions)

Revocable Trust Accounts $250,000 per owner per beneficiary up to 5 beneficiaries (more coverage available with 6 or more beneficiaries subject to specific conditions and requirements) Corporation, Partnership and Unincorporated Association Accounts $250,000 per corporation, partnership or unincorporated association)

Irrevocable Trust Accounts $250,000 for the non-contingent, ascertainable interest of each beneficiary

Government Accounts $250,000 per official custodian (more coverage available subject to specific conditions)

Revocable Trust Accounts $250,000 per owner per beneficiary up to 5 beneficiaries (more coverage available with 6 or more beneficiaries subject to specific conditions and requirements) Corporation, Partnership and Unincorporated Association Accounts $250,000 per corporation, partnership or unincorporated association)

A maximum of 6 debit transfers are permitted during a statement period. There is no restriction on the number of cash withdrawals at an ATM with the Debit Card, or at the teller counter by use of the withdrawal form that is available at the branch. These withdrawal forms cannot be used to pay cash to a third person.

Should more than 6 debit transfers be effected during a statement cycle, an excess check writing fee will be levied per transfer.

We reserve the right to close your account or reclassify it as a Checking Account if you continuously violate the above prescribed limits on the number of transactions.

We also reserve the right to refuse any transaction(s) which exceed the permissible limit.

While the law allows us to reserve the right for 7 days’ advance notice before permitting a withdrawal, we do not exercise this right currently.

Minimum balances, as follows, are required to be maintained to avoid monthly service charges:

An individual resident in the USA : $ 2,500

An individual resident outside the USA : $ 25,000

A business/association based in the USA : $ 50,000.00

A business/association based outside USA : $100,000

Salient Features

Please read the complete disclosure of account terms and fee schedule in the Customer Manual before applying for an account

Irrevocable Trust Accounts $250,000 for the non-contingent, ascertainable interest of each beneficiary

Government Accounts $250,000 per official custodian (more coverage available subject to specific conditions)

Revocable Trust Accounts $250,000 per owner per beneficiary up to 5 beneficiaries (more coverage available with 6 or more beneficiaries subject to specific conditions and requirements) Corporation, Partnership and Unincorporated Association Accounts $250,000 per corporation, partnership or unincorporated association)